Cheaper 2002 Mazda 626 Car Insurance Cost

Paying for high-priced Mazda 626 insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Companies like State Farm, Geico and Farmers Insurance continually hit you with catchy ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.

Comparison of Car Insurance

There are multiple methods to shop for 2002 Mazda 626 car insurance, but some are easier and takes less work. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Most of the best insurance companies participate in an industry program where insurance shoppers send in one quote, and every company then returns a price quote. This system prevents you from having to do quote forms for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify which insurance companies you will receive quotes from. If you prefer to choose individual companies to compare rates, we put together a list of car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make sure you use exactly the same coverages and limits with every price quote. If you compare differing limits it will be next to impossible to make a fair comparison for your Mazda 626. Having just a slight variation in limits can result in a big premium difference. Just keep in mind that quoting more will enable you to find a lower rate.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you would benefit from an agent’s advice.

What is the difference between comprehensive and collision coverage?
Does my medical payments coverage pay my health insurance deductible?
Does having multiple vehicles earn me a discount?
What can I do if my company won’t pay a claim?
Do I have newly-aquired coverage?
Are my friends covered when driving my 2002 Mazda 626?
How high should deductibles be on a 2002 Mazda 626?
If my pet gets injured in an accident are they covered?
Am I covered if I break a side mirror?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Insurance policy coverages for a Mazda 626

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability coverages

This coverage provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, structural damage and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mazda 626.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for ambulance fees, doctor visits, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from getting keyed and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.